Medicare Advantage

Humana's Albuquerque Medicare Advantage plans for 2027: how to check yours before Dec. 7

ALBUQUERQUE — Fall 2026 is Medicare's annual decision season, and Humana's slate of Medicare Advantage plans in Bernalillo County is shifting a bit for 2027. The carrier is offering 11 Medicare Advantage plans in the county next year, down from 14 this year, with no brand-new plans added, three not returning and four renamed. If you are enrolled in a Humana plan now, this is the stretch to open your Annual Notice of Change and make sure the 2027 version still fits your doctors and prescriptions before the December 7, 2026 deadline.

MyMedicarePlans.org is an independent consumer site and is not Humana. Humana is one of seven carriers offering Medicare Advantage in Bernalillo County for 2027, which together list 36 plans.

What Humana is offering in Albuquerque for 2027

Albuquerque is in Bernalillo County, where Medicare Advantage plan availability is set. For 2027, Humana's lineup in the county breaks down this way:

• 11 Medicare Advantage plans total
• 4 HMO plans and 7 PPO plans
• 3 Chronic Condition Special Needs Plans (C-SNPs), focused on diabetes and heart conditions
• All 11 plans include Part D prescription drug coverage

The full plan names are shown in the table on this page. They include Humana Essentials Plus Giveback (PPO), Humana Full Access (PPO), two Humana Gold Plus — Diabetes and Heart (HMO C-SNP) plans, Humana Gold Plus H0028-019 (HMO), Humana Total Complete (HMO), Humana USAA Honor Giveback (PPO), Humana Value Choice (PPO), HumanaChoice — Diabetes and Heart (PPO C-SNP), HumanaChoice H5216-223 (PPO) and HumanaChoice H7617-068 (PPO).

We can tell you these plans exist in the county; we can't tell you what any of them costs, pays or covers. That part is specific to each plan's Evidence of Coverage.

What's new, what's not returning, what's renamed

Humana is not adding any brand-new Medicare Advantage plans in Bernalillo County for 2027. Three of the carrier's 2026 plans are not being offered again next year, and four plans are returning under new names. If one of the discontinued plans is yours, Humana is required to send a non-renewal letter explaining your options and the special enrollment rights that come with it.

For the four renamed plans, the plan itself is still there — just with a cleaner name. The Annual Notice of Change (ANOC) your plan mailed in late September will spell out any changes to the premium, deductible, drug tiers, provider network or extra benefits for 2027.

How to check a plan against your doctors and prescriptions

Before you decide — whether you are staying put or looking at a different Humana plan — walk through this short checklist for 2027:

1. Pull out your ANOC and read the "changes for next year" section. 2. Make a list of your current doctors, hospitals and pharmacies. 3. Make a list of every prescription you take, with the dose and how often. 4. Go to medicare.gov and open the Plan Finder. Enter your ZIP code and your drugs, then look up each plan you are considering. 5. Check each plan's provider directory to confirm your doctors are in-network for 2027 (networks can change on January 1). 6. If a drug matters to you, check the plan's 2027 formulary for the tier, any prior authorization and the preferred pharmacy.

If you'd rather do this by phone, 1-800-MEDICARE (1-800-633-4227) is open 24/7 and can walk through plans with you.

Dates and dollars to keep in mind

The Annual Enrollment Period runs October 15 through December 7, 2026. Any change you make in that window takes effect January 1, 2027. If you take no action, your current plan renews for 2027 as long as it is still being offered.

A few program-level 2027 figures CMS has confirmed:

• The Part D out-of-pocket cap rises to $2,400 in 2027 (it is $2,100 in 2026).
• The Part D maximum deductible rises to $700 in 2027 (it is $615 in 2026).
• The Part D national base beneficiary premium for 2027 is $41.33. That is a formula input CMS uses — not what any specific plan charges.

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet. CMS typically publishes those in the fall, usually in November.

The coverage gap, or "donut hole," was eliminated in 2025, so Part D now has three phases. If drug costs are hard to spread across the year, the Medicare Prescription Payment Plan lets you pay out-of-pocket drug costs in monthly installments instead of all at once at the pharmacy.

Special Needs Plans in the Humana lineup

Three of Humana's 2027 Bernalillo County plans are C-SNPs built for people living with diabetes or a qualifying heart condition. To enroll in a C-SNP, you generally need a doctor's confirmation of the condition. Humana is not offering D-SNPs (for people with both Medicare and Medicaid) or I-SNPs (for people living in an institutional setting) in the county for 2027. If one of those plan types fits your situation, other carriers in the county may offer them — the Plan Finder will show you.